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Written By: Natalie Stringham

Note: Empower You Therapy is new to working with Mentaya and we anticipate bumps along the road with working with this company as part of the experience of introducing it as a new resource. Please be understanding in this process as we’re doing the best we can. We are hopeful that this will be a great resource for all. Please read on for an understanding of this company from what we’ve gathered.

Understanding your mental health insurance benefits can often feel like navigating a maze. If you have out-of-network (OON) benefits, figuring out how to get reimbursed for your therapy sessions can add another layer of complexity. This is where Mentaya can come into play—an innovative platform designed to help you streamline the reimbursement process and make the most of your mental health care. If you’re unsure whether you have OON benefits, check out this free benefit checker tool to understand your insurance plan better. This resource is invaluable for clarifying what to expect regarding out-of-network reimbursement, including the percentage of your session cost you can expect to be reimbursed. As always, check with your own insurance personally to confirm the accuracy of your OON benefits and what they can reimburse. Let’s explore how Mentaya can support you on your journey to affordability and access to quality care.

Understanding the Need for Out-of-Pocket Payments

It’s essential to recognize that many clients face the reality of paying out of pocket for therapy services. We want to start this article by first shedding light on this situation to emphasize the financial challenges that often come with accessing quality mental health care. The insurance landscape can be incredibly complex, especially for therapists working within insurance networks. Many therapists struggle to make a viable income under these contracts with insurance companies, prompting a noticeable shift towards private pay practices. Insurance reimbursement rates frequently fail to cover the costs of running a practice, which includes rent, administrative fees, and ongoing training, among other expenses.

This has created a movement toward private pay practices as it not only allows therapists to secure a living wage but also enables them to concentrate on delivering exceptional care. With the financial pressures alleviated by switching to private pay, therapists can invest more time in their professional development and refine their clinical skills, ultimately benefiting their clients. For clients, this shift often results in out-of-pocket expenses for therapy. We understand the frustration that can come with this necessity, as it can impose a financial burden on individuals and families seeking support. However, many clients discover that choosing private pay options allows for a deeper investment in their emotional well-being and a higher standard of care.

With this context in mind, we introduce Mentaya as a resource to help clients navigate the complexities of out-of-network reimbursement. Understanding that many individuals may feel overwhelmed by the process of seeking financial relief for their therapy costs, Mentaya offers personalized assistance to simplify claims submissions and maximize reimbursements. By providing guidance through every step of the process, we aim to empower clients to take control of their mental health expenses, enabling them to focus on what truly matters: their well-being. This resource not only alleviates some of the financial strain but also fosters continued access to quality mental health care, ensuring clients receive the support they need without added stress.

Perfect for Your Needs

Mentaya is a great solution if you find yourself in any of the following situations:

  • You have out-of-network benefits and aren’t sure how to utilize them.
  • You feel overwhelmed by the intricacies of superbills* and insurance claims.
  • You’ve submitted superbills in the past without receiving any reimbursement.
  • You simply want to avoid the stress of paperwork and claim submissions.

*For those who do not know what a Superbill is: A superbill is a detailed invoice provided by healthcare practitioners to their clients after they have received treatment. This document typically includes essential information such as the provider’s contact details, the services rendered, the diagnosis codes, and the associated costs. Clients can submit a superbill to their insurance company when seeking reimbursement for out-of-network services. It serves as proof of the services provided and is an essential tool for individuals looking to claim back some of their therapy expenses from their insurance provider.

How Mentaya Works

Mentaya is specifically designed to help you maximize your out-of-network insurance benefits. Their streamlined process eliminates the hassle of securing OON reimbursements by managing the submission of superbills on your behalf. They ensure you understand how your insurance can help cover the costs of the mental health services you receive while facilitating the reimbursement process. With Mentaya, you can confidently navigate your benefits and receive the financial support you deserve. They do this by providing:

  1. Team Support: Upon signing up, you’ll begin having support from the staff of Mentaya as well as from the therapy practice you’re meeting with. Empower You Therapy will gather the dates of the sessions you’d like to send in and start the collaborative work with Mentaya. This tailored support sets a solid foundation for your reimbursement journey.
  2. Paperwork Assistance: One of the most significant barriers clients face when seeking reimbursement is the paperwork. Mentaya simplifies this by helping you fill out and submit all necessary claims forms, ensuring that every detail is accurate to minimize the chances of your claim being denied.
  3. Claims Tracking: Forget the anxiety of wondering where your claim stands! Mentaya keeps an eye on your submitted claims, providing updates along the way and ensuring timely feedback from your insurance provider.
  4. Appeal Support: If a claim doesn’t go through, Mentaya offers assistance with the appeals process. They help you gather any additional information needed and handle the re-submission of your claim, advocating for you to receive the reimbursement you’re entitled to.

What the Process Looks Like on Your End

Mentaya’s services are designed to be smooth and user-friendly, without the stress usually associated with insurance claims. Here’s what you can expect:

  • Sign Up: Begin your journey by creating an account on the Mentaya platform, which is straightforward and easy to navigate
  • Submit Your Details: During your onboarding process, you’ll provide information about your therapist, your therapy sessions, and your insurance provider.
  • Receive Updates: After your claims are submitted, you can access your Mentaya account anytime to get real-time updates on the status of those claims.
  • Get reimbursed: If all goes well, you’ll get your reimbursement in the form of a check in the mail in about 3-5 weeks.

Pricing Information

Mentaya’s pricing is structured to be accessible and transparent. They charge a fee of 5% of the session cost for any claims you wish to submit in the future. If you want to submit claims for previous therapy sessions, the fee is slightly higher at 10% of the session cost. This pricing clarity ensures you know exactly what to expect while allowing you access to the support you need. Plus, Mentaya promotes a “risk-free” service: if your claims don’t go through, you will receive a full refund of the 5% or 10% you originally paid.

Conclusion: A Valuable Resource for Mental Health Support

Incorporating Mentaya into your pathway to mental health care can significantly ease the burden of navigating out-of-network insurance benefits. By providing personalized assistance, tracking claims, and advocating for you, Mentaya empowers you to focus on what truly matters: your well-being. If you’re seeking to enhance your therapy experience while maximizing your out-of-network reimbursement with your insurance, consider leveraging Mentaya as a valuable resource. With their support, managing your mental health costs becomes much more manageable, allowing you to prioritize your healing journey without unnecessary stress. Go ahead and take that step towards simplified mental health support today with Mentaya!

If you’re reading this and don’t have a therapist already, consider meeting with one of our expert therapists today! Click here to see the amazing therapists we have at Empower You Therapy! If you’re ready to take the next step and meet with one of our therapists, reach out here!

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